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Need help with ANY AZ Mortgage or Down Payment Assistance Programs in AZ?

We can help you get qualified for ANY AZ mortgage so you can buy a home including the several Down Payment Assistance Programs in AZ!   There are a few First Time Home Buyer Programs in AZ as well!! Which mortgage program is best for you?  What program will get you the best payment?  Are you looking for an FHA Loan, VA Loan, USDA Loan, Jumbo Loan or a Conventional Loan?  We're here to help get you the most up to date mortgage rates in Arizona with the best payment that fits your situation!

Also get access to our Realtor MLS UPDATED EVERY 5 Minutes!  That means EVERY home from EVERY Real Estate Company that is currently for Sale and FASTER THAN ZILLOW!

Questions or need help to get started with the mortgage process?
Call/text us at (480) 442-2502 or click the LIVE CHAT below.

PIMA TUCSON HOMEBUYER’S SOLUTION

The Pima Tucson Homebuyer’s Solution helps overcome barriers so you can buy a home in Tucson, Arizona.  The benefits are similar to those offered by the programs listed above and are offered in all of Pima County including the City of Tucson.

There is no purchase price limit to this program other than the maximum amounts of the loan program that you choose.  For example, in 2020, the maximum FHA loan amount in Pima County is $331,760.  Household income cannot exceed $99,169.

A Pima Tucson Homebuyer’s Solution conventional loan program is now offered through the both the Fannie Mae FHA Preferred loan program and the Freddie Mac FHA Advantage loan program.

Program Highlights:

Down payment assistance options available between 2.5% and 6%.  You can choose what is best for you based on your loan scenario.

There is no first time homebuyer requirement.

Asssistance money received through the Pima Tucson Homebuyer’s Solution is a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership.  The lien is completely forgiven after you stay in the home for three years without refinancing.  The purpose of the silent second is to provide stability and ensure the ongoing success of the down payment assistance program in Tucson and all of Pima County.

The assistance money offered to help you buy a home in Tucson or other parts of Pima County has been consistently available and has continuous funding.

How to Qualify:

Qualify for a FHA, VA, USDA or conventional loan with a maximum debt-to-income ratio of 50%.

Minimum FICO score is 640.  Some of the different mortgage programs and down payment amount scenarios may require a higher score.

Household income cannot exceed $105,291.

Take a convenient homebuyer education course.

Which of the Arizona Mortgage Programs is Best for You?

Below you will find links to information for low down Arizona mortgage programs that work best with down payment assistance programs.

FHA Home Loans

FHA home loans are often used with down payment assistance and first time home buyer programs because they have flexible qualifying criteria and great interest rates. FHA loans are intended to help people overcome the barriers to home ownership and finance their first home.

VA Home Loans

VA home loans are a popular option for those who served.  They are guaranteed by federal government through the Veterans Benefits Administration.  Arizona VA mortgages help meet the housing needs of eligible veterans and have some of the best benefits of any mortgage program.

USDA Home Loans

USDA loans are offered through a government loan program that is designed to help potential low- to moderate-income homeowners in rural communities. This includes the outskirts of some of Arizona’s larger cities where many of the most affordable homes are located.

Conventional Home Loans

A conventional loan is any mortgage loan that is not insured by any government agency (i.e. FHA, VA or USDA). Today, conventional loans are written to the guidelines set by Fannie Mae or Freddie Mac.

Arizona Mortgage Company

Working with an Arizona mortgage company can save you money and give you peace of mind.

Arizona Mortgage Programs When financing a new home, knowing which is the right loan program to choose can seem challenging. There are many financing options available and sometimes the terms and verbiage can be difficult to understand.  We understand that while one type of loan will work for a particular person, it’s not the best for another.

"Every family or individual has different needs, and we will work together to help you find the best financing options for your particular situation.

We are an Arizona-based mortgage lender that is authorized to offer low down mortgage programs that accept down payment assistance and we will fully explain your financing options and advise you as to what will be the most satisfactory and affordable choice … for the short-term and the long-term.

Work With a Reputable Licensed Arizona Mortgage Lender

Simply put, not all loan officers are alike. When shopping for a low down mortgage program that works best with Arizona down payment assistance programs, it is important that you work with a reputable licensed loan officer who is knowledgeable about the various loan programs that accept down payment assistance.

Get a quote from a licensed lender who is approved to offer the low down mortgage programs that work best with Arizona down payment assistance. Getting a quote involves speaking with a loan officer, finding out how much you can buy and what your payment will be and providing any requested information.  This way you can get a prequalification letter that you can provide to a real estate agent and down payment assistance plan administrator.

Starting the process to get prequalified is not hard. We can help you rest easy knowing you qualify for the best of the Arizona mortgage programs and down payment assistance options for your personal needs.

HOMES WE CAN HELP YOU FINANCE

$310,000
2 Beds ⋅ 2 Baths ⋅ 7068120 MLS ⋅ 978 SqFt.
This is one of the very few owned condo complexes remaining in Tempe! This is a pet free community. A second story 2 bedroom and 2bathroom condo. Both upstairs bedrooms are the same size, carpeted and have their own bathrooms and large closets. Newer light fixtures with fans in bedrooms and living room. Kitchen has Corian counters and newer super clean black appliances in good condition. Stackable washer and dryer included. Nice big balcony overlooking grassy courtyard and pool and shaded by huge trees. Storage closet at front entrance and a smaller storage closet in living room under stairwell.1 Assigned covered parking bay plus unassigned parking available in complex. Bus service - Orbitz runs right down Lemon St. The stop is 100 yds to the west of the complex entrance. A 10 min walk to the light rail, and ASU campus. Close to restaurants

1215 E Lemon Street Unit 220, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7068041 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2325 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067994 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2327 E Mcarthur Drive, Tempe
$410,000
2 Beds ⋅ 2 Baths ⋅ 7067958 MLS ⋅ 1,321 SqFt.
Resort Collection living at its best. This upgraded Aria floorplan sits on a premium oversized homesite with no neighbor directly behind, so you get real privacy along with unobstructed Arizona sunset views that never get old. The garage got a recent epoxy floor upgrade, and a curated furniture package is included too, take a look at the documents tab for details on making this a true move in ready purchase. Step inside and the open concept design does its job well, natural light pours through the oversized windows and keeps the whole space feeling bright and open. New large plank LVP flooring runs throughout and pairs nicely with the refinished cabinetry, a generous kitchen island. And crown molding that ties the whole look together. Top down bottom up blinds give you flexibility on privacy and light control room by room. Out back, the yard is built for both entertaining and quiet evenings, especially with those desert sunsets as the backdrop. This homesite also sits just moments from both of Encanterra's clubhouses, putting resort style pools, pickleball and bocce courts, full service spa, fitness center, and multiple on site restaurants right at your doorstep for members and residents to enjoy. Encanterra is also home to a championship 18 hole golf course designed by Tom Lehman. Add in everything else the Resort Collection at Encanterra offers and this one is a rare combination of upgrades, setting, and turnkey convenience.

36016 N Desert Tea Drive, Queen Creek
$375,000
2 Beds ⋅ 3 Baths ⋅ 7067870 MLS ⋅ 1,132 SqFt.
Welcome to easy, worry-free living in this beautifully remodeled 2-bedroom, 2.5-bathroom townhome in East Mesa! Nearly every detail has been thoughtfully updated, creating a sleek, modern home that is truly move-in ready. The stylish kitchen features a striking white-and-black design, upgraded appliance package, black subway tile backsplash, and soft-close cabinetry. LVP flooring flows throughout the entire two-story home with no carpet anywhere! All bathrooms have been tastefully updated, complemented by fresh paint and modern light fixtures throughout. The custom laundry nook offers added storage with built-in cabinetry, and the washer and dryer convey. Step outside to a clean, low-maintenance patio featuring an extended paver area and fresh green turf, perfect for relaxing or entertaining without the upkeep. A recently replaced roof adds even more peace of mind, while the home has been meticulously cleaned from top to bottom. Enjoy an exceptional community lifestyle with a resort-style pool, parks and access to Augusta Ranch Golf Course. Plus, you'll love the convenient East Mesa location with easy freeway access, close proximity to Mesa Gateway Airport, and an abundance of shopping, dining, and entertainment nearby. Beautifully updated, low-maintenance and ideally located, this is the one you've been waiting for!

2024 S Baldwin -- Unit 76, Mesa
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067835 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2321 E Mcarthur Drive, Tempe
$295,000
3 Beds ⋅ 3 Baths ⋅ 7067695 MLS ⋅ 1,255 SqFt.
DON'T MISS THIS UPGRADED 3 BEDROOM, 2.5 BATH TOWNHOME. NEWLY PAINTED THROUGHOUT. NEW FLOORS AND FAUCETS. NEWER APPLIANCES. NEW GARAGE DOOR. SMALL PATIO OPEN TO BACK COMMON AREA. COMMUNITY POOL AND CLUBHOUSE

125 S 56th Street S Unit 113, Mesa
$465,000
3 Beds ⋅ 3 Baths ⋅ 7067670 MLS ⋅ 2,059 SqFt.
Welcome home to Tre Vicino in Chandler! This beautifully upgraded, turnkey 3-bedroom + den, 2.5-bath home offers over 2,000 sq ft of stylish, low-maintenance living and a 3-car tandem garage with EV charging station. The bright, open floor plan features 9-foot ceilings, tile flooring throughout the main level, and a stunning kitchen with quartz countertops, oversized island, walk-in pantry, and beautiful balcony views. Enjoy the inviting front courtyard with fully landscaped, low-maintenance synthetic lawn--perfect for relaxing or entertaining. Upstairs, the spacious primary suite features a walk-in custom closet, dual vanity, and oversized shower. Abundant custom storage throughout and a premium lot that opens to a beautiful common area. Enjoy the inviting front courtyard with fully landscaped, low-maintenance synthetic lawn--perfect for relaxing or entertaining. Upstairs, the spacious primary suite features a walk-in custom closet, dual vanity, and oversized shower. Abundant custom storage throughout and a premium lot that opens onto a beautiful common area enhance the thoughtful design and privacy of this exceptional home. Located within the desirable gated Tre Vicino community, residents enjoy two sparkling pools, bocce and game courts, parks, playgrounds, and scenic walking paths. Conveniently located near the 101, 60, and 202, you're just minutes from Downtown Chandler, exceptional dining, shopping, and entertainment, and approximately 25 minutes from Sky Harbor Airport and ASU's Tempe campus. Turnkey, low-maintenance, and truly lock-and-leave. This is Chandler living at its best!

1255 N Arizona Avenue Unit 1339, Chandler
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067588 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2319 E Mcarthur Drive, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7067556 MLS ⋅ 850 SqFt.
*QUALIFIED BUYERS MAY RECEIVE UP TO AN ADDITIONAL $68,840.00 IN DOWN-PAYMENT ASSISTANCE*** incredible home and opportunity is only available to income eligible buyers who don't currently own a home. Income limits are based on household size (have not owned a home in the last 3 years or ever) who meet income criteria based on household size (less than) 1- $94,440 2 -$108,000 3 - $121,440 4 -$134,880 5 - $145,680 6 - $156,480 7 - $167,280 8 - $178,080

2317 E Mcarthur Drive, Tempe
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